Review criteria
- +Per-goal progress bar and percent complete
- +Auto target-date from your monthly contribution
- +Sinking-fund layout for several goals at once
- +Works in Google Sheets and Excel without add-ons
Savings Goal Tracker in Personal Finance
The Savings Goal Tracker is a copy-ready spreadsheet for running several savings goals at once — an emergency fund, a vacation, a new car — without losing track of any of them. Set each goal's target and your monthly contribution, and it shows the percent complete, a progress bar, and the date you'll hit each goal, in both Google Sheets and Excel.
Last updated: August 2026
Excel workbook · opens in Google Sheets · 3 tabs · no sign-up
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What’s inside “Savings Goal Tracker”
Tabs: How to use · Goals · TotalsFormat: Excel (.xlsx) · opens in Google SheetsSetup: Under 10 minutesColumns: 8
Columns (grey = calculated for you)
- Goal
- Target
- Saved so far
- Monthly contribution
- Remaining
- % complete
- Months to go
- Reach it by
- Open the Goals tab and replace the sample rows with your own — one row per entry. Formulas fill in automatically for new rows.
- List each goal as its own sinking fund with a target and what you'll put in monthly.
- Update Saved so far after each transfer; Reach it by estimates the finish date from your monthly contribution.
- Using Google Sheets? Upload the file to Google Drive, then open it with Google Sheets (or File → Import in an open sheet). Formulas, dropdowns and highlights carry over.
The file opens locally on your device — nothing is uploaded, and you own the copy outright.
Savings Goal Tracker
About this template
This is the sinking-fund method that budgeting apps charge for, in a spreadsheet you own. Seeing a goal at 70% with a date attached is what keeps saving from stalling. Adjust a contribution and every target date updates instantly, so you can plan trade-offs between goals in seconds.
Review evidence
What to verify before choosing Savings Goal Tracker
Use the review criteria below to decide whether this template fits your workflow.
Often worth considering when
- +Anyone saving for several goals (emergency fund, trip, car)
- +People who want sinking funds without a budgeting app
Pause before choosing when
- -Investment return projections
- -Automatic transfers between accounts
About Personal Finance
Why people consider this option
- +Free, copy-ready spreadsheets you own outright — no subscription lock-in
- +Works the same in Google Sheets and Excel, on desktop or phone
- +Add totals with basic formulas like SUM once your data is in
What to review before acting
- -Manual entry unless you connect a bank-sync tool
- -Large multi-year sheets can slow down on low-end devices
Trust FAQ
Questions people ask before copying a template
What is a sinking fund, and how does this template handle it?
A sinking fund is money set aside gradually for a specific future expense. This template gives each goal its own row with a target, contribution, and auto-calculated completion date, so you can run many sinking funds side by side and see them all progress.
Can I track more than one savings goal at a time?
Yes — that's the point. Add a row per goal and the tracker shows each one's progress bar, percent complete, and estimated finish date independently, with a grand total across all goals.
Is the Savings Goal Tracker free?
Yes, the core template is free to copy and keep in Google Sheets or Excel. There is no paid tier — the free download includes all goal slots and charts.